Call reports 2010
LAWRENCE BANK — 2010
What LAWRENCE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 316,353,000 | 328,624,000 | 354,159,000 | 383,261,000 |
| Total loans | 251,068,000 | 270,259,000 | 281,613,000 | 320,267,000 |
| Allowance for loan losses | 3,338,000 | 3,386,000 | 3,513,000 | 3,255,000 |
| Securities available for sale | 26,258,000 | 27,909,000 | 27,390,000 | 26,293,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 276,109,000 | 282,594,000 | 307,540,000 | 338,484,000 |
| Interest-bearing deposits | 252,428,000 | 257,723,000 | 281,426,000 | 312,427,000 |
| Noninterest-bearing deposits | 23,681,000 | 24,871,000 | 26,114,000 | 26,057,000 |
| Equity capital | 27,699,000 | 28,129,000 | 29,502,000 | 31,535,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,792,000 | 7,837,000 | 11,934,000 | 16,624,000 |
| Interest expense | 972,000 | 1,886,000 | 2,793,000 | 3,732,000 |
| Net interest income | 2,820,000 | 5,951,000 | 9,141,000 | 12,892,000 |
| Noninterest income | 2,227,000 | 6,413,000 | 10,816,000 | 19,848,000 |
| Noninterest expense | 3,904,000 | 9,323,000 | 14,883,000 | 23,291,000 |
| Provision for loan losses | 186,000 | 432,000 | 849,000 | 2,360,000 |
| Pretax income | 957,000 | 2,609,000 | 4,225,000 | 7,089,000 |
| Income tax | 63,000 | 173,000 | 278,000 | 464,000 |
| Net income | 894,000 | 2,436,000 | 3,947,000 | 6,625,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,895,000 | 27,152,000 | 28,262,000 | 31,038,000 |
| Total capital | 29,998,000 | 30,388,000 | 31,650,000 | 34,293,000 |
| Risk-weighted assets | 248,125,000 | 258,825,000 | 276,658,000 | 294,303,000 |
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